Side-by-side · Q2 2026 data
The Blue Grass Valley Bank vs Highlands Bank
Metric by metric
| Measure | The Blue Grass Valley Bank | Highlands Bank |
|---|---|---|
| TellerScore | 61 | 69 (stronger) |
| Capital cushion | 50 | 60 (stronger) |
| Loan quality | 60 | 70 (stronger) |
| Earnings | 41 | 71 (stronger) |
| Funding & liquidity | 96 (stronger) | 71 |
| Problem-loan coverage | 87 | 87 |
| Peer percentile | 19th | 40th |
| Total assets | $59.9M | $407.1M |
| Deposits / shares | $53.6M | $356.8M |
| Capital ratio | 9.97% | 11.00% (stronger) |
| Problem loans | 1.20% | 0.91% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 0.54% | 1.27% (stronger) |
| Loans ÷ deposits | 64.1% (stronger) | 85.8% |
| Uninsured deposits | 5.9% (stronger) | 18.3% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
Highlands Bank has the higher TellerScore (69 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Blue Grass Valley Bank leads on 3 and Highlands Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.